Know Your Credit Score Payment History

Know Your Credit Score Payment History Know Your Credit Score: Payment History Know Your Credit Score: Payment HistoryIn this five-part series, we’re breaking down the five different categories that make up your credit score. Today we’re talking about Payment History.It’s pretty obvious that missing a payment on your credit card isn’t going to be good for your credit. But exactly how “not good” would it be? Just a little not good? Or like super duper not good?Well, as it turns out, missing a payment or making it late could have a pretty big impact on your score. That’s because your payment history is the single largest factor in determining your score.What is your payment history?  â€œYour payment history includes your on-time, late payment and missed or non-payment information,” says attorney Stephen Lesavich, PHD, (@SLesavich), best-selling author of The Plastic Effect.When a lender is assessing your application for a loan or a credit card, it’s very important to them that you make your payments on time.So if you have a history missing your payments or making them late, that sends lenders a signal that you’re likely to default on your loan altogether.How important is your payment history?Your payment history is one of the most important factors in your credit rating. It accounts for 35 percent of your overall credit score, more than any other individual factor.(However, it must be said that your Amounts Owed, which we covered last week, are also very important, accounting for 30 percent of your overall score.)With over a third of your score dependent on you making your payments, it’s safe to say that making your payments late is a bad idea.“Making late payments or missing payments if the quickest way to have your credit score drop significantly,” says LesavichWhat’s included in your payment history?“Payment history typically includes payment information for credit cards, mortgages, loans, retail accounts and lines of credit,” says Lesavich, who also lays out what those different categories include:The loa ns include student loans, auto loans, other loans, etc. that are paid in installments.The retail accounts include credit cards and lines of credit from department stores, etc.The lines of credit include home equity lines of credit and other lines of credit.”Basically, if you’ve borrowed money in any form, it’s payments are going to be reported to the credit bureaus and will factor into your score.With one notable exceptionWhat’s not included in your payment history?Notice that he didn’t include short-term bad credit loans, such as payday loans and title loans. That’s because the vast majority of these lenders do not report your payment information to the credit bureaus.While this means that missing a payment on a payday and title loan might not hurt your score, it also means that making your payments on-time won’t help your score either. Plus, if the lender decides to send your unpaid debt to a debt collection agency, the agency likely will report the debt.“Collectio n account information remains on your credit report for 7 years from the date the first account became past due causing the accounts placement with a collection agency,” says Lesavich.That’s true for all kinds of debts, whether they’re from no credit check loans, personal installment loans, a credit card, etc. If you never pay the debt, and it gets sent to collections, the account will be noted on your score.But since most payday and title loans aren’t reported to the credit bureaus in the first place, they can basically only hurt your credit score. They can’t ever help it.(And if you think that’s the only issue with these predatory short-term loans, think again.)What about payments that aren’t debt-related?Sure, paying down personal loans and credit cards accounts for a lot of the payments you’re making each month. But it’s certainly not all of them.So what about your payments on things like rent and utility bills? Are those reported to the credit bureaus?Accordin g to Lesavich, the answer is mostly no:“Most landlords for renters and service providers such as electric, cable and cell phones providers do not report payments to the credit reporting bureaus.”“However, some landlords and service providers do such reporting.  So it is always wise to check and determine if your landlord or any of your service providers do report payment history.”To learn more about how your credit score your utility payments are related, check out our blog post: How Bad Credit Can Affect Your Utilities.How does your payment history impact in your score?It’s a safe bet that making a payment late will negatively affect your credit score. But there’s no way to tell how bad it will affect it as there a lot of other factors at play.According to Lesavich, the impact of a late payment on your score will depend on:“Your current credit score“Amount of days the payment was late“How much money was owed for the payment“Total number of times you made a late payment“When the late payment occurred with respect to the when the credit score was calculated.”One of the reasons it can be had to determine how much a late payment will affect your credit score is that you actually have multiple scores.Each of the three major credit bureausâ€"Experian, TransUnion, and Equifaxâ€"maintains their own version of your credit report. Your exact score depends on which score is used to create your credit score.And that’s not all. It can depend on which specific formula is used as well.“It is important to note, says Lesavich, “that the credit reporting bureaus, etc. have all developed their own proprietary credit scoring models.  Such proprietary credit scoring models are never fully published or disclosed.”“As a result, any discussion of credit scores is always a best guess estimate. It can be used to predict a reasonable range to approximate your credit score, but your own credit  score may vary with a late payment.”Lesavich does, how ever, offer the following example of how a late payment could affect your score:“A single 30-day late payment typically reduces a person’s credit score by 60-110 points (e.g., ranging from 60-80 points if your credit score is in the 600s, to about 80-110 points if your credit score is in the 700s, etc.).”That’s a lot! But notice that he mentioned a payment that was 30 days late. Generally speaking, most lenders have a “grace period” after a due date is missed before they will report it.So if you’ve missed a payment by a few days, go ahead and make that payment ASAP. It could mean a huge difference to your score.“Late payment or missed payment information will typically remain on your credit report for seven years,” says Lesavich. Read more in our blog post How One Late Payment Can Affect Your Credit.What should you do if you’ve made a late payment?Lesavich has some sage words of advice regarding what to do if you’ve missed a payment:“Everybody can and typical ly does face a life situation (e.g., illness, accident, birth, death, etc.) in which a late payment is made.“If you have not made a late payment in the past, or have done so very infrequently, check with your credit card provider, bank or loan provider and explain your situation.  They may not report the late payment to the credit reporting bureaus.”Remember, a credit score is dynamic. It can change, and it frequently does change as life circumstances change. If you make a late payment or miss a payment and it lowers your credit score, do not get discouraged.Instead, view the situation from an empowered position, which gives you an opportunity to take control and initiate change.”“Then, make a plan with action steps you can accomplish to change to your credit card purchasing and debt management practices by making all your payments on-time and not make any late payment or miss any payments.”We couldn’t agree more. Check back with Know Your Credit Score next week when we ’ll be writing about your Credit Mix!Check out the rest of our Know Your Credit Score blog series:Credit ScoresPayment HistoryAmounts OwedLength of Credit HistoryTypes of Credit UsedRecent Credit InquiriesWhat kinds of questions do you have about your credit score?  We want to hear from you! You can  email us  or you can find us on  Facebook  and  Twitter.  Visit OppLoans on  YouTube  |  Facebook  |  Twitter  |  LinkedINContributorsStephen Lesavich, PhD, JD,  (@SLesavich) is an attorney, credit card expert, award-winning and best-selling author of  â€œThe Plastic Effect: How Urban Legends Influence the Use and Misuse of Credit Cards”.

The Perception of Listening Essay - 1756 Words

The Perception of Listening Listen up! Are you really listening? What is Listening and why is it important? This paper will address the viewpoint of listening skills and its outcome. Listening is an essential tool, which is one of the constructive aspects in the communication process, for communicating with other people. To listen well is a talent that is learned. However, for people to listen effectively, they would need to practice to obtain the skill. †As with any new skill, learning to listen takes effort, attention, and practice† (Stewart, 2006, p. 202).Listening skills allow people to make sense of and understand what another person is saying. In other words, listening skills allow you to identify with the meaning of what people†¦show more content†¦Although developing listening skills is a matter of choice, it is imperative everyone accomplish effective listening habits to avoid misunderstanding in all relationships. How to Listen The first aspect of listening is to learn how to listen effectively. In today’s society, communicating appropriately has everything to do with listening. Learning to be a good listener will help improve all relationships both professionally and personally. If people do not know how to listen well, they can easily be distracted and their mind will start to wander. Since listening plays an essential role in the communication process, developing listening skills are important because they will help interpret what the speaker is saying during feedback. In other words, the listener should be able to respond to what the speaker talked about for clarification purposes. Accordingly, becoming a better listener, and depending on the situation, there are three types of listening strategies that would be beneficial to ensure effective communication with other people. Hybels and Weaver (2007) states that â€Å"active listening, critical listening, and empathic listening are three different tactics that can be used in diverse situations† (p. 92).For instance, critical listeners’ focal point is to listen with determination and an open mind. They need to recognize and expect to learn something new from the speaker and ask questions about their viewpoints. AShow MoreRelatedThe Perception of Listening1162 Words   |  5 PagesThe Perception of Listening Listen up! Are you really listening? What is listening and why is it important? This paper will address the viewpoint of listening skills and its outcome. Listening is an essential tool, which is one of the constructive aspects in the communication process, for communicating with other people. To listen well is a talent that is learned. However, for people to listen effectively, they would need to practice to obtain the skill. †As with any new skill, learning to listenRead MoreThe Perception of Listening Essay1959 Words   |  8 PagesThe Perception of Listening Listen up! Are people really listening? What is listening and why is it important? This paper will address the viewpoint of listening skills and its outcome. Listening is an essential tool, which is one of the constructive aspects in the communication process, for communicating with other people. To listen well is a talent that is learned. However, for people to listen effectively, they would need to practice to obtain the skill. †As with any new skill, learning to listenRead MoreThe Perception of Listening Essay1135 Words   |  5 PagesThe Perception of Listening Listen up! Are you really listening? What is listening and why is it important? This paper will address the viewpoint of listening skills and its outcome. Listening is an essential tool, which is one of the constructive aspects in the communication process, for communicating with other people. To listen well is a talent that is learned. However, for people to listen effectively, they would need to practice to obtain the skill. †As with any new skill, learning to listenRead MoreThe Perception of Listening Essay examples1399 Words   |  6 Pages What is Listening and why is it important? This paper will address the viewpoint of listening skills and its outcome. Listening is an essential tool, which is one of the constructive aspects in the communication process, for communicating with other people. To listen well is a knack that is learned. However, for people to listen effectively, they would need to practice to obtain the skill. †As with any new skill, learning to lis ten takes effort, attention, and practice† (Stewart, 2006, p. 202)Read MoreEssay about The Perception of Listening 1168 Words   |  5 PagesListen up! Are you really listening? What is listening and why is it important? This paper will address the viewpoint of listening skills and its outcome. Listening is an essential tool, which is one of the constructive aspects in the communication process, for communicating with other people. To listen well is a talent that is learned. However, for people to listen effectively, they would need to practice to obtain the skill. †As with any new skill, learning to listen takes effort, attention, andRead MoreEffective Interpersonal Communication1002 Words   |  4 Pagescommunication requires three fundamental skills: being assertive, listening mindfully, and checking perceptions versus reality. Using each of these three skills can help avoid miscommunication and concurrent conflict. Moreover, assertiveness, mindful listening, and ch ecking perceptions all go hand-in-hand. For example, being assertive means speaking mindfully and truthfully which makes it more possible to listen mindfully and truthfully too. Listening mindfully, and communicating mindfully in general, ensuresRead MoreThe Importance Of Intercultural Communication830 Words   |  4 Pagesvariables of listening depend on the different perceptions that a person obtains through their cultural background. Furthermore, culture often affects the structure of consciousness in the act of listening. When a person seeks to listen sincerely, the ability to communicate has more depth and is more natural. (Talks about the difficulties of intercultural communiction) The problem comes (Issues with communicating effectively occur) when people who are listening are not aware of the listening processRead MoreAnalysis Of My Sister, Geyonia, And Me Essay938 Words   |  4 PagesUsing the concepts: Self-concept Emotional display Perception impact Nonverbal behaviors/communication Listening styles Stage of relationship Disclosure styles Communication climates Confirming and disconfirming messages Conflict event and styles Types of resolution I will be relating my week of analysis of the relationship with my sister to the above concepts and explaining the relationship I have with Geyonia. Self-concept is the set of perceptions you have about yourself (emotional states, talentsRead MoreSpeech Is The Major Vehicle Of Human Communication909 Words   |  4 Pagesbetween Hearing, Listening and Perception. Hearing is the sensation of sound. Sounds produced by a source are transmitted through a medium and into the ears of the listener which converts vibrational energy into neural impulses which travel to the brain. Listening is the act of paying attention to the spoken word, not only in hearing symbols but also reacting with understanding. A person with normal hearing sensitivity may have poor listening skills which may result in poor Speech Perception. Unlike hearingRead MoreMusic as an Aesthetic Experience1320 Words   |  6 PagesThe introduction of Donald J. Funes book Musical Involvement addresses the topic of music as an aesthetic experience. The preface to the introduction is the realization that truly listening to music requires an active response, and this type of listening is not innate. All throughout the day we are bombarded with music and every day sounds, most of which remain in our periphery. It can be difficult to focus on a single event such as a concert, lecture or any other situation that requires a quite

Book Review about The Viewpoints Book A Practical Guide to Viewpoints and Composition

Historical Background and Overview of the Book The term Viewpoints as used in theater arts refers to a set of terminologies given to some specific principles of motion/movement through time and space; they simply describe what happens on the stage. The viewpoints can also be defined as an improvisation technique that emanated from the postmodern world of dance. The technique was developed in the 1970s by choreographer Mary Overili by breaking down space and time. Composition on the other hand is the art of selecting and arranging the individual components of theatre language into a combined work of art. Directors Anne Bogart and Tina Landau expanded and adapted Overilie’s viewpoints for actors to work spontaneously and instinctively generating a bold theatrical art. Mary Overilie influenced Anne Bogart during their collaboration at the New York University in the late 1970s and early 1980s. While Overlie’s six viewpoints (space, time, story, movement, emotion and space) are viewed as a logical way of examining and an alyzing movement (as in dance), Bogart’s view points are considered practical steps in uniting the stage and actors. The Viewpoint Book: A Practical Guide to viewpoints and composition, authored by Anne Bogart and Tina Landau, identifies and explains the viewpoints as those associated with time (tempo, duration, kinesthetic response and repetition) and those associated to space namely (shape, architecture, spatial relationship and topography). In this book Bogart and Tina introduced the vocal view points which are pitch, timbre and dynamic. They explain the basics of viewpoints training giving specific methods and examples of using the viewpoints in rehearsal and actual production. While to Overlie the viewpoints merely represented a physical technique in Borgart’s and Tina’s book they are also an aesthetic and spiritual aspect of theatrical work. It is also worth noting that while according to Overlie the story always takes permanence over the other elements according to Bogart and Tina the viewpoints are not ordered but are simply equal in importance. Bogart refers to her work at th e SITI Company while Tina refers to her work at the Steppenwolf Theater Company. Description of Bogart’s and Tina’s viewpoints Bogart’s and Tina’s view points as described in their book are those that relate to time and space. While the story, emotion and movement are part of the original Overlie’s viewpoints Bogart and Tina did not give them attention instead choosing to add vocal viewpoints to the viewpoints of time and space. Suffice to say that space limitation can only allow a brief description of the said viewpoints in this paper without going into the detailed example of how they are employed in theater. Bogart developed the viewpoint movement as an integral part of her work as a theater director to prepare actors to become â€Å"creators† to create a common feel, collaborative vocabulary and encourage spontaneity. The viewpoints, particularly the viewpoint improvisation enhance the actors’ sense of compositional choice giving them the ultimate freedom so that they are not merely puppets of the director. Therefore in Bogart’s and Tina’s book the viewpoi nt improvisation is not merely a technique but a philosophical approach to motion on the stage and organizing movement on the stage. Their viewpoints primarily encompassed Spatial relationship, Architecture, Shape, Repetition, Kinesthetic response, Gesture and Tempo (Bogart and Landau 6). These are the viewpoints described here below. Bogart’s and Tina’s practical guide to viewpoint and composition describes Spatial Relationship as the distance between objects on the stage. It could be the distance between an actor and another, between groups or between actors and architecture. Proper use of spatial relationship therefore creates a dynamic stage picture where movement of a small group causes the rest of the group to move thus maintain a strong spatia (Bogart and Landau 11). Architecture has to do with the physical environment of the stage which includes permanent and non-permanent features. More specifically it is the actor’s use of or relationship to architecture. According to Bogart this viewpoint is probably the hardest to work with as it demands that the actor views and uses the architecture as a partner in the art. This basically means that the actor has to explore the room making the walls, the windows, the trees, the floor and many other physical components his/her set (Bogart and Landau 52). The actor has to let these physical components speak to him/her and such an actor who not only works with other actors but with their physical environment expresses a deep character.   Architecture, spatial relationship and topography (movement along the landscape- which is not elaborately described in the book) are the space related viewpoints. Kinesthetic response is the spontaneous reaction to an external stimuli or motion. In theater it is the actor’s response in moment to what is occurring in the room, the timing of movement (Bogart and Landau 8). The book gives an example of how an actor suddenly running across the floor would initiate a lot subconscious activity on the floor. Although all the viewpoints are important Bogart recons that this may probably the most important view point. The book implores actors to be sensitive to the potential flow of timing and to be aware that sudden motions, sounds and even shapes could be useful in initiating a spontaneous and immediate reaction. Repetition is repeating of movements, shapes or even sounds either by an individual actor or in relationship to other actors (Bogart and Landau 9). For example an actor may repeat a gesture again and again or an actor may do a certain gesture which is then repeated by the group. The book suggests that repetition is the most important viewpoint for building mise en scene and that repetition builds the character’s depth. Tempo has to do with the speed or the pace of occurrences on the stage (Bogart and Landau 38). It was previously considered part of kinesthetic response but Bogart and Tina started treating them separately. Duration refers to the length of time before changing an event on the stage for instance how long an actor or a group maintains a certain tempo, movement, shape, gesture and/ or sound events occur before changing it (Bogart and Landau 41). These three viewpoints are time related viewpoints. Shape refers to contouring body’s outline in space; it has to do with the outline of the body individually or in relation to others or to the physical environment (Bogart and Landau 47). Bogart instructs actor to explore creating sculptures without thinking on how the shape will turn out but focusing on allowing various shapes to be created through them as they enjoy the shapes. While gesture was initially considered part of shape Bogart distinguished the two stating that a gesture has a start point, middle and end while shape gradually takes the actor from one shape to another (Bogart and Landau 51). Bogart considers gesture to be purely cultural and urges actors to embrace the stereotype and to do it whole heartedly so as to make it work. The book also tackles the use of sound describing it as the vocal viewpoints which include timbre, pitch and dynamic (Bogart and Landau 105). The vocal viewpoints are unlike the others it has to do with sound and not movement, the other vie wpoints are thus referred to as the physical viewpoints. Having described each viewpoint Bogart and Tina assert that each actor has choose the viewpoint s/he finds easiest to work with. After a while each actor chooses another viewpoint and works wit it eventually choosing the one s/he found difficult and â€Å"doing it with vengeance†.   Viewpoints improvisation therefore develops the sensitivity of the actor to create composition. Other compositional aspects According to Bogart response is the foundation of the viewpoint improvisation philosophy because improvisation is all about reacting and not initiating action; it is not about making things happen but rather seeing things happen. The actor needs to be aware of the entire room and respond to it. Another important aspect of the viewpoint improvisation is that of discovery. In addition to being a series of responses viewpoint improvisation is a series of discoveries or a journey of making discovery with each stimulus presenting potential for a new discovery (Bogart and Landau 204). The book encourages actors to discover together and work with the ideas in other words share the idea with the audience. The spirit of enjoying discovery appears to be important in the viewpoint improvisation. The book also identifies fast paced movements as having blurring effect on composition thus encourages the actor to employ stillness (avoiding movement) and listen to what is happening in the room(Bogart and Landau 70). The book also encourages actors to use more variation in the composition stating that there should be differentiation (Bogart and Landau 52). Bogart and Tina also emphasizes on the need for clarity and specificity rather than doing general movements (Bogart and Landau 74). Finally Bogart and Tina comment that though stories and emotions are part of the viewpoint they are just â€Å"icing on the cake† stating that their occurrence shouldn’t be a deliberate effort thus should only be enjoyed. Bogart’s and Tina’s book is a guide to the use of the viewpoints- Spatial relationship, shape, architecture, repetition, kinesthetic response, gesture and tempo- in acting to give the actors an awareness that helps them create the structure within which they can work. The book focuses on aspects of formal composition rather than on the narrative. Bogart acknowledges that there are other viewpoints and that she only describes the ones she finds most applicable with the actors she works with. Works Cited Bogart, Anne and Tina Landau. The Viewpoints Book: A Practical Guide To Viewpoints And Composition. New York: Theatre Communications Group, 2005.

The Psychological Effects of Prisons Essay - 1142 Words

The Psychological Effects of Prisons I have visited some of the best and the worst prisons and have never seen signs of coddling, but I have seen the terrible results of the boredom and frustration of empty hours and pointless existence -former U.S. Supreme Court Justice Warren Burger If recent incarceration rates remain unchanged, an estimated 1 out of every 20 persons (5.1%) will serve time in a prison during their lifetime. -U.S. Department of Justice One of the largest problems with the prison issue in America today is that it gets little attention. Unlike education, pollution or gun control people are usually not concerned enough to get involved with the problem until it happens to someone they love or†¦show more content†¦This study represents a parallel to the behavior found in incarcerated humans. Jails cause the same psychological side effects as prisons, to a smaller degree, in the effects of being en-caged, however, the overall standard of living in jails is much higher. There is a decent relationship between the guards and the jailers. The jailers are allowed to interact with the same people on their block between lockdown times. Lock-down is when the jailers are confined to their cells, usually at night and for a short while in the day, during a change of shift. This method allows inmates to play cards, watch TV together and at very least walk around something else besides their cell. The prison system, ho wever, usually remains in lockdown all the time, although they can speak to each other, they usually cant see each other without a mirror. Observing these two methods, and what little problems there are in jails as opposed to prisons leads me to believe that if you treat a human being like a human being they will act like a human being. If you lock them in a cage all day they may as well act like an animal. (Prison Activist Resource Center, 1-3) People sometimes argue this case stating that the offenses committed by jailers are less serious than by prisoners and that prisons are more hostile because they house the more serious offenders. These people forget that jails hold people before they areShow MoreRelatedThe Stanford Prison Experiment : Psychological Effect On Prisoners And Prison Guards1341 Words   |  6 PagesPurpose: The Stanford prison experiment was a study conducted by Professor Phillip Zimbardo about psychological effect on prisoners and prison guards. He conducted the experiment because he wanted to find out whether the brutality of guards in American prisons was due to sadistic personalities of the guards or the behaviors of the guards towards the prisoners had to with prison Environment. The study elicited pathological reactions from many of the participant. The purpose of the study was to understandRead MorePsychological Effects Of Becoming A Prisoner Or Prison Guard1189 Words   |  5 PagesZimbardo conducted an experiment to study the psychological effects of becoming a prisoner or prison guard. This experiment turned into something much more than just an experiment, it became a lesson. The experiment and its results became known as the Stanford Prison Experiment. A quote from Zimbardo himself said, How we went about testing these questions and what we found may astound you. Our planned two-week investigation into the psychology of prison life had to be ended after only six days becauseRead MoreThe Stanford Prison Experiment : Psychological Effects Of A Prisoner And Guard Scenario1271 Words   |  6 Pagesinto a strong piece of iron. The Stanford Prison Experiment was a study put together by Phillip Zambardo to test the psychological effects of a prisoner and guard scenario in a mock prison setting. The experiment lasted seven to fourteen days and was comprised of twenty-four male students, who were picked at random to take part in the experiment. The role of guard and prisoner were also selected at random. The mock prisoners were subjugated to psychological abuse, harsh authoritarian rule by the guardsRead MoreStanford Prison Experiment : Behavior And Psychological Effects Of Becoming A Guard And A Prisoner Essay798 Words   |  4 PagesSta nford Prison Experiment The Stanford Prison Experiment conducted by Zimbardo in the summer of 1971 to study the behavior and the psychological effects of becoming a guard and a prisoner. This experiment was supposed to be a two-week experiment, but that was not the case it only ended after six days due to the difficulties and the stress that the guards and the prisoners were experiencing. The methodology behind this experiment was to get volunteers for the study by posting it in the local newspaperRead MoreI Chose The Topic Of Prison Psychology With A Focus On1198 Words   |  5 Pagestopic of prison psychology with a focus on the Stanford prison experiment and the psychological effects of systematic abuse. Zimbardo, Philip G. Revisiting the Stanford Prison Experiment: A Lesson in the Power of Situation. The Chronicle of Higher Education, no. 30, 2007. EBSCOhost, ezproxy.uhd.edu/login?url=http://search.ebscohost.com/login.aspx?direct=truedb=edsgbcAN=edsgcl.161992127site=eds-livescope=site. The Stanford Prison Experiment was a study on the psychological effects of authorityRead MoreEssay on Cost of Incarceration1308 Words   |  6 Pagesis the act of placing someone in prison. Incarceration serves as a punishment for criminals due to their actions against the law. It is a solution for keeping the public safe. Prisoners follow a strict rules and schedules while following the culture within the walls among other prisoners. As a result of their crimes, convicts lose their freedom and are place among others who suffer the same fate. Crime is the cause of this establishment, but what are the effects of incarceration on convicts, theirRead MoreEffects Of Long Term Incarceration On Prisoners900 Words   |  4 Pagesof investigation The topic I am exploring is the effects of long-term incarceration on prisoner’s mental and psychological state. Many individuals believe that long- term incarceration and the conditions of prisons have negatively affected inmates psychologically and mentally. It has been discovered that post-traumatic stress disorders and anxiety is shared between those who have been in prison for a long period or those who are adapted to prison life. (Garcia) Incarceration was created to helpRead MoreSolitary Confinement And Mental Illness1279 Words   |  6 PagesResearch Questions †¢ Does solitary confinement result in negative psychological effects for inmates? †¢ Does solitary confinement affect those inmates who have been diagnosed as mentally ill prior to entering solitary confinement differently than those not diagnosed as mentally ill? †¢ Do the psychological effects of solitary confinement vary by length of confinement? Hypotheses †¢ Solitary confinement does result in negative psychological effects in inmates. †¢ Solitary confinement does affect those inmatesRead MorePsychological Breakdown Of The Stanford Prison Experiment Essay1689 Words   |  7 Pagesexperiment was crucial in understanding the human psyche and how it handles certain situations. PSYCHOLOGICAL BREAKDOWN IN THE STANFORD PRISON EXPERIMENT 3 The article on the Stanford Prison Experiment titled, A Study of Prisoners and Guards in a Simulated Prison and written by the Office of Naval Research, provides us with the overall information that deals with this controversial psychological study. The study was conducted by Doctors Craig Haney, Curtis Banks and headed by Doctor PhillipRead MorePrison And The Prison System Essay1472 Words   |  6 Pagesdiscouragement for humans is through the prison system. Because of this, these humans or inmates, are sentenced to spend a significant part of their life in a confined, small room. With that being said, the prison life can leave a remarkable toll on the inmates life in many different categories. The first and arguably most important comes in the form of mental health. Living in prison with have a great impact on the psychological part of your life. For example, The prison life is a very much different way

Entrepreneurship and Small Business Management

Question: Discuss about the Entrepreneurship and Small Business Management. Answer: Introduction NZ Supply Ltd is a New Zealand based company which started its journey as a small company but due to their dedication towards their customers, they earned much profit every year and with the profit they started their own venture in 2004. Shortly after doing so, they earned a profit of $2 million from the sale of $10 million appliances which was a great leap for the company. Initially the company worked only in the Northern part of the island but later they expanded their market to the Southern Island too (Chung, 2014). The company lacks in proper information system and promotional strategies. The report discusses about how the business works and what they should do so that they can do much better. Also, the SWOT analysis is performed in order to help them find their strengths and weaknesses. NZ Supply Ltd is one of the biggest distributors of Appliance parts across the country. It was originally started by Tom Mitchell and his wife Sarah who owned a shop in Central Auckland. The company that they started grew gradually and in 2004 using capital for venture earned a good profit every year. From the sale of $10 million, NZ Supply turned $2 million in profit with over 80 retailers in North Island and 20 retailers in South Island. For the central distribution part, they purchased a warehouse in Penrose. Majority of the company operates from in the Northern part of the Island so they decided to expand their business in the Southern part for which they set up their company to Christchurch in South Island (Peteraf, Gamble Thompson Jr, 2014). Initially the South Island is a small distribution center who was responsible for the distribution of products to the retailers. In the year 2011, the company opened a regional office in a small warehouse that they purchased in Christchurc h which was mainly used for central distribution and retailing where they received products in bulk amount (Trinkunas, Rusinaite Vasilecas, 2015). The main objective was to provide delivery services to all the customers three times more. Packaged products were dispatched from Auckland and Christchurch after they received any confirmation phone calls or email from the retailers. The company had a total of six cars and four vans on the road for six days a week for the Northern part of the Island and two cars and a large van for local deliveries around Christchurch (Sawang, Parker Hine, 2016). Description of NZ Supply Ltd NZ Supply Ltd is a New Zealand based company which is a renowned organization and is the biggest supplier of appliances. The market of NZ Supply Ltd has gradually grown and is recognized worldwide. Initially the company started its company as a small organization after which they used the capital that they earned from the profit each year and opened a chain of their own (Schaper et al., 2014). At the very beginning, the company was recognized in the northern part only but later due to their popularity they went on expanding their market in the Southern part also (Ates et al., 2013). For the transportation purpose, they had a total of six cars and four vans that worked continuously for six days in the Northern part and for the Southern Part, two large cars and a large van were used. The company was organized by a General Manager, Office Manager, Marketing Manager, North Island Distribution Manager, HR Manager and Christchurch Manager and IS Support Technician. Casual laborers were bou ght in the company when there is huge demand for the appliances (Kasemsap, 2015). The only problem that the company faced was the lack of proper information system. The company till date uses the outdated system just for some calculation part and storing data. Strategy Evaluation and Future Prospect of NZ Supply Ltd The company is a well renowned organization in New Zealand and in order to expand its market to greater extent; it needs to work out in some areas where they had greater chance of improving. The very first thing that they need to improve is to advertise their company so that it gets recognized by many MNCs and they get promoted (Jeston Nelis, 2014). The second thing that they need to look after is to improve their information system where they can monitor everything also they can store all their crucial information and store their backup (Al-Mamary et al., 2014). The system that they are using currently is mostly outdated and need to be replaced. The third thing that they can do is that they need to manufacture something more innovative so that they are recognized within their own country (Chung, 2014). In this way they will be one step ahead of their competition and people will look up to them. Improving on these sections can greatly help the company to grow in future. With the advertisement in the social media is perfect as everything is digitalized and news over social media spread like fire. With the promotional techniques they will get recognized more by some MNCs which will help them to grow even more and make a name for themselves (Baltzan Phillips, 2016). With the installation of new and improved information system they can easily evaluate the market and get to know more about the market and also about their own company. With the help of information system, they can also perform all their work more effectively and there will be no need to enter any data manually. Better decision making is also possible with the help of new and improved information system (Al-Mamary et al., 2014). Also producing something out of the blue will definitely help them to gain reorganization in the global market and help them to make tie ups with many new companies. The company was started by John Mitchell and his wife and gradually it went to become one of the biggest suppliers of appliances and also got reorganization in its own country. The company earned profit every year from which they started their own venture in the year 2004 and expanded their market when they bought a warehouse in Penrose, Auckland. Initially Penrose was the main distribution center and later the company saw that they need to expand their market to the southern part also so they bought a warehouse in Christchurch where all the major retail operations were done. The main objective of the company was to connect with as many people as they can so that they get that much reorganization that they can expand globally. But due to the lack of proper information system and promotional strategies, they were still lacking. Conclusion NZ Supply Ltd did whatever they could in order to grab the market but still there were some shortcomings that were never fully met. In order to be the best, they need to rectify all those shortcomings by installing proper information system and get rid of those outdated system. With the help of proper information system, better decisions can be made which will help the company to grow more and more. Also the promotional; strategies should be applied properly and they should make sure that it reach out to maximum of people. References Al-Mamary, Y. H., Shamsuddin, A., Abdul Hamid, N. A. (2014). The role of different types of information systems in business organizations: a review.International Journal of Research (IJR),1(7). Ates, A., Garengo, P., Cocca, P., Bititci, U. (2013). The development of SME managerial practice for effective performance management.Journal of Small Business and Enterprise Development,20(1), 28-54. Baltzan, P., Phillips, A. (2016).Business driven information systems. McGraw Hill Education. Chung, S. (2014). Improving the Business Value of IS. InApproaches and Processes for Managing the Economics of Information Systems(pp. 67-81). IGI Global. Jeston, J., Nelis, J. (2014).Business process management. Routledge. Kasemsap, K. (2015). The role of information system within enterprise architecture and their impact on business performance.Technology, innovation, and enterprise transformation, 262-284. Peteraf, M., Gamble, J., Thompson Jr, A. (2014).Essentials of strategic management: The quest for competitive advantage. McGraw-Hill Education. Sawang, S., Parker, R., Hine, D. (2016). How Small Business Advisory Program Delivery Methods (Collective Learning, Tailored, and Practice?Based Approaches) Affect Learning and Innovation.Journal of Small Business Management,54(1), 244-261. Schaper, M. T., Volery, T., Weber, P. C., Gibson, B. (2014). Entrepreneurship and small business. Trinkunas, J., Rusinaite, T., Vasilecas, O. (2015). Research on Improving Dynamic Business Procesess in HIS.

Scandinavian Hero Beowulf Essay Example

Scandinavian Hero Beowulf Essay Scandinavian Hero Beowulf BY Rya-FreiJ Rya FreiJ Mr. Hamas English Honors 3 20 November 2013 The Undercover Wulf Beowulf, the Old-English epic poem, is characteristic of its Nordic-Germanic roots as a tale of a great Scandinavian hero Beowulf, who saves a neighboring kingdom from the wrath of the destructive, blood-thirsty monster, Grendel, and eventually becomes the king of his own people, the Geats. Closely related to modern day tribal and gang customs, it is questioned as to whether Beowulf should be considered a hero. He proves to be a great warrior and protector by killing three terrorizing beasts, a rovider by bringing back great treasures from each of his exploits, and faithful by always looking out for his tribe and fghting in their honor. The true question to be asked is, can tribal mentality produce a worthy hero? The answer is, yes. Steven Pressfield further explains what tribal mentality actually is in his article Tribes, Gangs, and Terrorists. Although Beowulf had done shameful things in the past, Beowulf is still considered a Viking hero and a modern hero because of his actions through the story such as strength, which prove that tribal culture and mentality can roduce a worthy hero. In the days of Beowulf and the Vikings, a hero was a man who was strong and courageous, willing and able to protect his tribe and provide for his people. Even today, the meaning of this word translates into the same category of definitions. A hero now is considered for the brave things they have done and selflessness that they possess. We will write a custom essay sample on Scandinavian Hero Beowulf specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Scandinavian Hero Beowulf specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Scandinavian Hero Beowulf specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The narrators portrayal of Beowulf is nothing but heroic from his first mentioning, where he is described as [The] mightiest man on earth, (97), The noble warrior, (314), and The man whose name was known for ourage, the Great leader, (340-341). Anglo-Saxon warriors had to be stoic, and they had to appear fearless at all times. This relates to Beowulf because both showed no fear or sorrow. He kept his word and did not complain, no matter how impossible their tasks seem. Also in the article Tribes, Gangs, and Terrorists explains, The foe is granted full honor as a fghting man and defender of his home soil and values. Honor is one of the main characteristics in a hero that is presented to the world today, so how is tribal mentality different than the mentality than a hero? Actions of a erson describe whether a person is considered a hero, not their mentality. In Beowulf, Beowulf fights three different monsters. The first monster he fights is Grendel, the second is Grendels mom, and the third is a dragon. When travelling to Hrothgars land to slay the beasts, it shows as to how he and his men feel towards the monsters. Tribes are hostile to all outsiders, Steven Pressfield explains. Taking into consideration that the monsters are considered outsiders to Beowulf and his men, his heroic reaction to save his allies and companions expresses how the tribal system s connected to the thought that modern tribal mentality can produce a worthy hero. Each fght shows an important part of Beowulf. The fght with Grendel and Beowulf exhibits Beowulfs sheer strength and power which is explained in the quote, The encountered in any man on the face of the earth (749-752). Beowulf survives a handgrip that is supposedly tighter than anything he had ever encountered. In the second fight, Beowulf struggles against Grendels mom. Grendels mom grabs Beowulf a lot and Beowulf struggles to escape every time. When he hit Grendels mother with his sword, it bounces off and does merely nothing. This fight shows Beowulfs weaknesses and struggles. In the third and final fight, Beowulf and a small army fight a dragon. This happens nearly fifty years after the fght with Grendel and his mom. That final day was the first time when Beowulf fought and fate denied him of glory in battle, (2571-2573) is the first battle Beowulf had ever lost. If slaying three infamous hell bound creatures was not heroic, than what else is? Tribal mentality bands together beliefs, morals and the survival of their group. They are narrow minded, irrational, and closed to outside interference. They move and respond as a group. They tend to be very basic, killing anything that threatens their closed group. The article Tribes, Gangs, and Terrorists written by Steven Pressfield explains, Tribes prize loyalty and cohesion. Beowulf valued a sense of community and camaraderie. Anglo-Saxon and tribal behavior and goals are quite similar. After Beowulf passes away, Wiglaf announces that there will not be peace or pact-keeping of any sort from the Swedes, (2922-23) because that was what Beowulf wants. He does not wish to see his empire that he made crumble into oblivion. This also represents the revenge, which is a main part in the tribal culture. Any insult to honor must be avenged, (Pressfleld, 2011, pg. 1). Swedes had been insulting and harassing the Geats for a while by then, so with Beowulf gone, it was time for the team to take revenge. Just like modern heroes today. Heroes know when to take revenge for the loved ones that they have lost but in the right way. Beowulf took the lives of the monsters out of revenge and for the safety of everyone that surrounds him and the people that he cares about. The epic poem Beowulf focuses on the hero. Throughout various generations and cultures, people have had an image of the archetypal hero. The Anglo-Saxon ideals of heroism were strength, bravery, and loyalty, which were exactly the qualities that Beowulf possessed. Beowulf, as a result, is an icon of his ancient Germanic heritage. He imitates the world around him by reflecting past traditions of heroes and mirrors their characteristics and actions. With him, his honor and pride make him not only a hero of his own time, but also a hero for generations to come. In all, tribal mentality whether centuries old compared to modern day does produce a worthy hero; heroes that can and are willing to protect the people that they love and surround them.

Free Sample Essay on Five Stages of Grief

Free Sample Essay on Five Stages of Grief Because death is an inevitable, natural fact of life, grief is only just as natural. â€Å"Grief† is defined as a deep sorrow, especially one that is caused by someone’s death. Some handle the death of a loved one better than others. Others, well, it tears them up inside and continues to negatively affect them for the rest of their life. Nonetheless, there is generally a process that a person tends to experience beginning after the passing of a loved one, and it starts with the initial shock of losing a dearly loved person and ends with finally accepting their passing. One model that explains the process of grieving is Elizabeth Kubler-Ross’ model â€Å"The Five Stages of Grief† – in which there is 1) Denial, 2) Anger, 3) Bargaining, 4) Depression and 5) Acceptance. Denial happens to people when they first lose a person to death and can’t believe it has happened. They deny it. It is essentially a stage of shock, numbness, and disbelief. They are not denying the death has occurred; they are more so experiencing this mentality: â€Å"I can’t believe this person, whom I love so much and came to depend on, will never be around to embrace again.† This thought process serves to protect the grieving because to understand this reality all at once would be too intense and overwhelming for the living loved ones. Eventually one asks, â€Å"How did this happen?† and â€Å"Why?† But this is natural; it’s a sign that they are moving out of the denial phase and into the process of healing. The second stage is anger – at oneself, at God, at the loved one, at the world. It is often kept bottled up inside until it turns into guilt – guilt that more could have been done to prevent this loved one’s death. But this is a completely natural response to loss. Recognizing this anger phase of the process of grieving and being able to control these strong emotions is a crucial step to moving on toward acceptance. You may also like: What are the qualities of a good friend? Pandas: Failure in a cute disguise Persuasive essay on Allan Edgar Poes story The art of effective problem-solving Argumentative essay on violence in children and the media Bargaining is the third stage. This occurs when the grieving person wants life to be like it used to be when the deceased was still alive and well. They essentially fixate on going back in time in order to prevent the death from happening in the first place. It is the â€Å"If only† mentality. This keeps the person focused on the past – and they avoid dealing with the emotions of the present, the reality of the deceased. Depression is the fourth stage of grieving, according to Elizabeth Kubler-Ross’ model of â€Å"The Five Stages of Grief.† It is when the person who has lost a loved one and who is grieving enters a darker level – one with intense feelings of emptiness and sadness. When daily habits become a burden, and joy is hard to find in any event or experience. It is not a mental illness at this point, per se, but a natural response to loss. In this stage, the griever allows himself or herself to begin accepting the loss. At this point, they allow themselves to feel the pain, loss, grief and sadness that comes  with the death of a loved one. This is crucial to healing – experiencing these emotions for this reason. The fifth and final stage of the grieving process is acceptance. It is not the cure to grief, as the loss of a dearly loved one can impact a person for the rest of their lives. Acceptance only means the person who has lost a loved one is ready to try and move on – to accommodate themselves in this world without the loved one. This is a process that everyone experience in one shape or form. It is one that can actually bring a person closer to the departed, the loved one, with a clear sense of the previous life and clear understanding how they want life to be now.